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State Bank of India ₹30 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 7.5%, the EMI is about ₹24,168 a month, with total interest of about ₹28,00,271.
Source: State Bank of India official page, checked on November 2026 (2026-11-01).
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 7.5% (starting) | ₹24,168 | ₹28,00,271 | ₹58,00,271 |
| 8% | ₹25,093 | ₹30,22,368 | ₹60,22,368 |
| 8.5% | ₹26,035 | ₹32,48,327 | ₹62,48,327 |
| 9% | ₹26,992 | ₹34,78,027 | ₹64,78,027 |
| 9.5% | ₹27,964 | ₹37,11,345 | ₹67,11,345 |
Year-by-year repayment schedule at 7.5%
How much of each year's payments goes to principal and to interest, and what you still owe at the end of the year. Use the calculator above for a month-by-month view and prepayment options.
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹67,296 | ₹2,22,718 | ₹2,90,014 | ₹29,32,704 |
| Year 2 | ₹72,520 | ₹2,17,494 | ₹2,90,014 | ₹28,60,184 |
| Year 3 | ₹78,150 | ₹2,11,864 | ₹2,90,014 | ₹27,82,035 |
| Year 4 | ₹84,217 | ₹2,05,797 | ₹2,90,014 | ₹26,97,818 |
| Year 5 | ₹90,755 | ₹1,99,259 | ₹2,90,014 | ₹26,07,063 |
| Year 6 | ₹97,800 | ₹1,92,213 | ₹2,90,014 | ₹25,09,263 |
| Year 7 | ₹1,05,393 | ₹1,84,621 | ₹2,90,014 | ₹24,03,870 |
| Year 8 | ₹1,13,575 | ₹1,76,439 | ₹2,90,014 | ₹22,90,295 |
| Year 9 | ₹1,22,392 | ₹1,67,622 | ₹2,90,014 | ₹21,67,903 |
| Year 10 | ₹1,31,893 | ₹1,58,120 | ₹2,90,014 | ₹20,36,010 |
| Year 11 | ₹1,42,133 | ₹1,47,881 | ₹2,90,014 | ₹18,93,877 |
| Year 12 | ₹1,53,167 | ₹1,36,847 | ₹2,90,014 | ₹17,40,710 |
| Year 13 | ₹1,65,058 | ₹1,24,956 | ₹2,90,014 | ₹15,75,653 |
| Year 14 | ₹1,77,871 | ₹1,12,142 | ₹2,90,014 | ₹13,97,781 |
| Year 15 | ₹1,91,680 | ₹98,334 | ₹2,90,014 | ₹12,06,101 |
| Year 16 | ₹2,06,561 | ₹83,453 | ₹2,90,014 | ₹9,99,541 |
| Year 17 | ₹2,22,596 | ₹67,417 | ₹2,90,014 | ₹7,76,944 |
| Year 18 | ₹2,39,877 | ₹50,136 | ₹2,90,014 | ₹5,37,067 |
| Year 19 | ₹2,58,500 | ₹31,514 | ₹2,90,014 | ₹2,78,567 |
| Year 20 | ₹2,78,567 | ₹11,446 | ₹2,90,014 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh State Bank of India home loan for 20 years?
At State Bank of India's starting rate of 7.5% the EMI is about ₹24,168 a month. If your offered rate is 8.5% it would be about ₹26,035.
How much total interest will I pay?
At 7.5% the total interest over 20 years is about ₹28,00,271, so you repay about ₹58,00,271 in all.